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EMPLOYEE HANDBOOK
Canada’s newpolymer notes
A GUIDE TO VERIFYING CANADIAN BANK NOTES
www.bankofcanada.ca/banknotes
Secure • Durable • Innovative
3-EH/ME (05-11)
Contact the Bank of Canada for free training tools:
www.bankofcanada.ca/banknotes
1 888 513-8212
Feel, Look and Flip
• Feel the smooth, unique texture of the note.
It’s made from a single piece of polymer with
some transparent areas.
• Look for transparency through the large
window and the outline of the frosted maple
leaf window.
• Look at the details in the metallic portrait and
building in the large window.
• Flip the note to see the metallic portrait and
building repeated in the same colours and
detail on the other side of the large window.
Feel, Look and Flip is a phrase that reminds
you how to check key security features on
your new notes.
© Bank of Canada 2011
Contents | 01
ContentsThis is your guide to Canada’s fi rst polymer bank notes.
By the time you fi nish reading this booklet, you’ll know how
to check your cash and handle suspicious notes. A quiz is
included to help test your knowledge.
A | The Polymer Series
B | Handling Polymer Bank Notes
C | Security Features at a Glance
D | Checking Polymer Notes
E | Checking Notes from the Previous Series
F | Dealing with Polymer and Paper Bank Notes
G | It Pays to Check Your Cash
H | Dealing with Suspicious Money
I | Quiz
02
06
10
03
08
11
04
09
13
A The Polymer SeriesThe look and feel of Canadian money have changed. The Bank of Canada now prints
bank notes on polymer—a smooth, durable fi lm.
The $20, $10 and $5 polymer bank notes will be issued by the end of 2013.
Issued in November 2011 Issued in March 2012
Polymer notes are:
Secure: Their leading-edge security features
are easy to verify and hard to counterfeit.
Durable: They last at least 2.5 times longer
than paper notes, reducing processing and
replacement costs and environmental impact.
Innovative: The detailed metallic imagery
carried in a transparent area of the notes
makes for one-of-a-kind currency.
Easy to handle: The new notes feel different
from paper notes but are just as simple to use.
02 | The Polymer Series
B Handling Polymer Bank Notes
Do
• Carefully unpack wrapped notes with a
pelican cutter or a letter opener. While
polymer notes are stronger than paper
notes, small nicks and tears can grow
quickly once started.
• Separate new notes by fanning or
shuffl ing them (just like paper notes).
Don’t
• Don’t use scissors, box cutters, pen
knives or exacto knives to unpack
bank notes.
• Don’t crease, crumple or staple your
notes as it could damage them.
Handling Polymer Bank Notes | 03
C Security Features at a GlanceThe new $100 and $50 polymer notes are hard to counterfeit and easy to check in seconds.
Both denominations have the same innovative security features that can be seen on both sides
of the notes in transparent areas.
Maple leaf border
Large window
Transparent text
Small numbers
Metallic building
Raised inkSame security features
on the $50 note
Frosted maple leaf window
Metallic portrait
Hidden numbers
04 | Security Features at a Glance
Flip the note
Flip the note to see the features in the large window repeated in the same colours and detail on the other side.
Maple leaf border
Small numbers
Metallic building
Metallic portrait
Security Features at a Glance | 05
D Checking Polymer Notes
Feel
Polymer note
Feel the smooth, unique texture of the note.
It’s made from a single piece of polymer with
some transparent areas.
Raised ink
Feel the raised ink on the
shoulders of the large portrait,
the large number and the
words “Bank of Canada”
and “Banque du Canada.”
Look
Large window
Look for transparency through the
large window containing a metallic
portrait and building.
Metallic portrait
Look at the details in the metallic portrait in the
large window. It matches the large portrait.
Small numbers
Look at the numbers in and around the large
window that match the value of the note. Some of
the numbers appear in reverse.
Transparent text
Look at the word “Canada.” It is transparent and
feels slightly raised.
Maple leaf border
Look at the maple leaves that border the large
window. Some of the leaves cross into the window.
Flip
Flip the note to see the features in the large
window repeated in the same colours and detail on
the other side.
06 | Checking Polymer Notes
Feel, Look and Flip is a phrase that reminds you how to check security features on your new notes.
Metallic building
Look at the details in the metallic building
in the large window. Tilt the note to see
sharp colour changes in the building.
Look
Frosted maple leaf window
Look at the frosted maple leaf window
to see that it has a transparent outline.
Step 1
Place the frosted maple leaf window close
to your eye.
Step 2
Look through the frosted maple leaf
window at a single-point light source.
Step 3
See a circle of numbers matching the
note’s value appear through the frosted
maple leaf window.
Checking Polymer Notes | 07
Hidden numbers
The hidden numbers are a security
feature that you can use to further
verify a note.
To see the hidden numbers, you need a single-point light source.
This feature allows you to verify a bank note using many
commonly available single-point light sources, such as pot lights
and household (incandescent) light bulbs.
No light source should be pointed directly at the eye at close
range, and dangerous sources of light, such as the sun, laser
lights and many LEDs, should never be used to view the feature.
E Checking Notes from the Previous SeriesPaper notes from the older series (with the metallic stripe) will be around for a while. Remember that all notes
in this series share the same security features. Here’s a reminder of what to look for.
08 | Checking Notes from the Previous Series
Metallic stripe
Tilt the note back and
forth. The numbers
and maple leaves
change colour.
Dashes
Hold the note up to
the light and look
through it. The dashes
form a solid line.
Puzzle number
Hold the note up to
the light and look
through it. Irregular
marks on the front and
back of the note form
a complete number.Raised ink
Feel the raised ink on the large number,
the shoulder and the words
“Bank of Canada • Banque du Canada.”
Ghost image
Hold the note up to the
light and look through it.
A small, ghost-like image
of the portrait appears.
Dealing with Polymer and Paper Bank Notes | 09
F Dealing with Polymer and Paper Bank Notes Polymer notes are the most secure notes available to you. Once a denomination has been issued on polymer, the Bank of Canada
will work closely with fi nancial institutions to withdraw from circulation all paper notes of that denomination.
To facilitate the removal of paper notes from
circulation, you are encouraged to:
• Keep polymer and paper notes separate in your
till (e.g., polymer notes on top and paper notes
below in the same compartment).
• Bundle polymer and paper notes separately in
your bank deposit.
10 | It Pays to Check Your Cash
The Bank of Canada won’t reimburse you for counterfeit money, so don’t let it get into your till.
G It Pays to Check Your Cash
Quick tips
• Check all notes as you receive them because counterfeits come in all denominations.
• Always compare a suspicious note with a genuine one.
• If you don’t know how to check an older-style note, ask for a more recent note.
Bank notes are secure only if you check them. Checking your cash protects you and your customers from fraud.
Did you know?
Dealing with Suspicious Money | 11
H Dealing with Suspicious Money
You should get to know your organization’s procedure, if one exists, for handling suspected
counterfeit money. The Bank of Canada also has some recommendations for retailers.
If you are suspicious about money that you’re handed DURING a transaction, assess the
situation to ensure that you are not at risk. Then you can take the following steps if you
are able to. Remember that your customer could be an innocent victim and not realize
that the note is suspicious, so be courteous.
Steps to follow
1. Politely refuse the money and explain that you suspect that it’s counterfeit.
2. Ask the customer for another note (and check it too).
3. Advise the customer to check the suspicious note with local police.
4. Inform your local police of a possible attempt to pass counterfeit money.
If you are suspicious about money in your till AFTER a transaction, give it to your local
police for examination. You’ll get your money back if it’s real.
It is a criminal offence to knowingly pass counterfeit cash on to someone else.
Warning
12 | Contact Information
Contact the Bank of Canada for free training tools:
www.bankofcanada.ca/banknotes
1 888 513-8212
Great! You’ve made it through this guide and know how to check your
bank notes. Put your knowledge to the test with this quiz.
1) Look at the bank note below.
Circle and name three security features on this bank note. (6 points)
a. _________________________ b. _________________________ c. _________________________
TOTAL SCORE: /20
Quiz | 13
I Quiz
2) What is the fi rst action in the phrase that reminds you how to
check security features? (2 points)
a. Tilt
b. Look
c. Flip
d. Feel
3) What happens when you tilt a real polymer note? (2 points)
a. There are sharp colour changes in the
metallic building.
b. Colour appears in the frosted maple leaf window.
c. Colour appears on the large number.
d. There are sharp colour changes in the
maple leaf border.
4) The metallic portrait and building can be seen from both
sides of a polymer note. (2 points)
a. True
b. False
14 | Quiz
5) Circle and name two security features on the bank note below. (4 points)
a. _________________________ b. _________________________
Quiz | 15
6) What do you do if a customer hands you a suspicious bank note? (2 points)
a. Accept it and check it later.
b. Refuse the note and ask for another bill, directing your
customer to check the suspicious note with local police.
c. Accept it and don’t tell anyone else about it.
16 | Quiz
7) What do you do if you discover suspicious money in your till? (2 points)
a. Pass it on in a customer’s change.
b. Take it to local police for verifi cation.
c. Tear it up and throw it away.
Quiz | 17
Question 1
a. large window
b. frosted maple leaf window
c. metallic portrait
d. metallic building
e. small numbers
f. maple leaf border
g. raised ink
h. hidden numbers
i. transparent text
Question 2
d.
Question 3
a.
Question 4
a.
Question 5
a. metallic stripe
b. raised ink
c. dashes
d. ghost image
e. puzzle number
Question 6
b.
Question 7
b.
Additional copies of the quiz and the answer key are available online.
For more information:
www.bankofcanada.ca/banknotes
1 888 513-8212
I Answer Key
18 | Quiz